Great question!
What everyone said above is correct. In more extreme cases of dull, the machine will actually shudder on a heaver cut (or sometimes on a lighter cut). As you gain more experience you will be able to tell pretty quickly when the end mill is done. When starting out with a new, sharp end mill, it will pretty much cut the same for some period of time then all of sudden everything will change, you can feel it and hear it. It's at that point you have to decide to continue cutting or change the end mill.
End mills have a finite life and normally, under optimal conditions, will last about 80 minutes. Excess speed is the biggest killer, as is too much or not enough feed. Too much speed and/or too much feed = excess heat. Too little feed causes the end mill to rub rather than cut, also = excess heat. There is a sweet spot for any job you are doing, and you will be able to find it pretty quickly as you gain experience.